BALANCE is designed to provide you with the most comprehensive and professional assistance with all aspects of personal finance.

Our goal is to not only work with you to avoid or resolve financial distress, but also to provide information and assistance to help you achieve your goals – such as buying a home or saving for the future.

BALANCE has an unwavering commitment to outstanding quality and superior service. We measure our success by the number of people we serve, the variety of services and programs we offer, and the improved bottom line of our clients.

Mission Statement Our mission is to help individuals and families achieve their financial goals through comprehensive financial fitness programs (tools, information and assistance) in partnership with sponsoring organizations.

Our corporate values include:

Acting with respect and integrity toward everyone we touch

Being accountable for our performance

Tailoring our services to meet consumers at their point of need

Providing objective and comprehensive advice

Innovating constantly to improve and enhance our services and products.

Credentials & AffiliationsBALANCE ascribes to quality standards that include certification of counselors, audits, and core policies that ensure quality service.

All of our counselors are required to successfully complete 160 hours of training and become certified as credit counselors within one year of hire. The certification examination and corresponding study materials were developed in conjunction with Purdue University, and cover consumer protection, spending plans and budgeting, creditor and legal policies and practices, credit and debt management, and counseling principles.

Partnering with BALANCEFor information on how your organization can partner with BALANCE, log onto www.balancepro.org or call 800.808.4327.

Policy Statement

Any consumer contacting of CCCS of San Francisco for counseling services will be provided service regardless of the language they speak.
- Whenever possible, a client will be paired with a counselor who speaks his language.
- If a client speaks a language other than those of our multi-lingual counseling staff, the AT&T Language Line will be contacted to schedule a translator for the time of the appointment. CCCS will pay for the cost of the service.

Hearing impaired clients will be provided service via telephone or in-person.
- If the client prefers a telephone consultation, TTY operators will be contacted to participate at the time of the session. CCCS will pay for the cost of the service.
- If the client prefers a face-to-face consultation, the Bay Area Communications will be contacted and sign language interpreter will be available for the consumer's appointment. CCCS will pay for the cost of the service.

Whenever a 3rd party interpreter is a party to an appointment, two back to back appointments will be scheduled in order to insure appropriate time for a complete and thorough counseling session.